Why WealthSim exists
India's economy is growing fast, and more people than ever are thinking seriously about financial independence. But the tools available to plan for it are either too complex, too expensive, or too generic.
Spreadsheets work but they're fragile. Financial advisors help but they're not accessible to everyone. Retirement calculators exist but they give you a single number without showing you the journey.
WealthSim was built to solve this. It's a free, interactive simulator that lets you model your entire financial life — income, expenses, investments, goals — and see how they all connect. Change one slider and watch the ripple effect across everything.
Built for India
WealthSim is designed specifically for the Indian context. Projections account for Indian inflation rates, tax brackets, and cost-of-living realities. Whether you're in Mumbai, Bangalore, or a Tier-2 city, the simulator adapts to your reality.
Privacy is not optional
Financial data is deeply personal. WealthSim lets you use every free tool without creating an account. In guest mode, your data never leaves your browser. Even if you sign in, we never sell, share, or monetize your data. No tracking cookies. No ads. No data brokers.
Not financial advice
WealthSim is a calculation and simulation tool. All projections are estimates based on your inputs and simplifying assumptions — they are not predictions. Real-world outcomes depend on market performance, inflation, life events, and countless other variables.
Always consult a qualified financial advisor before making investment decisions. WealthSim helps you think through scenarios, but it's not a substitute for professional advice.
About the maker
Hi, I'm Nikhil Garg. I built WealthSim as a side project to share something I originally made just for myself.
Quick background: I studied Computer Science at IIT Delhi, then spent several years as an engineer at Google and later at Coursera. Eventually I founded a cybersecurity startup, which got acquired in 2024.
After the acquisition, I found myself in a position many people dream about but few actually act on — I was financially independent and had the option to walk away. So I did. I left a well-paying job to go back to what I love most: building things.
The number is smaller than you think
In conversations with friends and colleagues, I kept hearing the same thing: "I need 100 crores to be financially independent." That number gets thrown around a lot in certain circles, and honestly, it's wildly off for most people.
The truth is, if you do the math properly — account for your actual expenses, realistic inflation, and a disciplined investment strategy — the FI number for living a comfortable, even affluent life in India is significantly lower than people assume. I ran these calculations obsessively for my own life before making the leap. WealthSim is essentially the tool I built for myself, now open for everyone.
This isn't a VC-funded startup or a fintech play. It's a solo project by someone who went through the process, did the math, took the leap, and wants to help others do the same — or at least see what's possible.
If you have questions, feedback, or just want to say hi — reach out at nikgarg91@gmail.com or find me on LinkedIn .
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